Add all your loans — home, auto, personal, student, business — and see the combined monthly outflow with principal/interest split, weighted-average rate, payoff months, and a 12-month projection.
01 — What you create
Stack home, auto, personal, student, and card-EMIs in one report. The tool computes each loan’s EMI, splits principal vs interest, calculates payoff months, and rolls everything into a single combined monthly view.
MONTHLY LOAN PAYMENT REPORT
Monthly Loan Payment — May 2026
Marcus Vance · 4 active loans
OUTFLOW
INR 62,541
INT / MO
INR 38,420
PRIN / MO
INR 24,121
BALANCE
INR 47.6L
LOAN-BY-LOAN
* weighted average rate by balance
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02 — How it works
Most loan calculators model one loan at a time. Real life has four or five — home plus auto plus a personal loan plus card EMIs plus maybe a student loan. This tool sums them so you see the whole monthly bill at once.
Name, type, principal, current balance, rate, tenure. EMI auto-computes — or override if your lender uses a different number.
Combined monthly outflow, principal vs interest split, weighted-average rate, and how many months until each loan clears.
PDF: summary cards, loan-by-loan table, by-type rollup, 12-month projection. XLSX: Summary, Loans, By Type, Projection.
03 — Built for households & CFOs
Add as many loans as you carry — home, auto, personal, student, business, credit line. The combined monthly outflow is computed across all of them.
EMI computes from principal × rate × tenure using the standard formula. Override with your lender's exact figure if it differs (processing fees, insurance, etc.).
Track loans that are already partway through. Enter the current balance separately from the original principal; the principal/interest split reflects the real balance today.
For each loan, the tool shows how many months remain at the current EMI. If EMI is too low to cover interest, it flags "Never pays off" — useful for credit-line interest checks.
Combined rate across all loans, weighted by balance. Tells you what your overall cost of debt looks like — useful for refinance / consolidation decisions.
PDF: summary cards + loan table + by-type rollup + 12-month projection + notes. XLSX: Summary, Loans, By Type, Projection — all numeric for further analysis.
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04 — Common questions
EMI Schedule and Loan Amortization model ONE loan in depth — the full period-by-period table. This tool models MANY loans at a household / company level — one row per loan, combined outflow, no per-loan amortization. Use this for cash-flow planning; the others for verifying a single loan in detail.
Leave the EMI field blank. The tool computes it from principal × rate × tenure using the standard formula. Most lenders match this within a few currency units. If yours differs (processing fees, insurance bundled in), enter the override.
log(EMI / (EMI − Balance × rate)) / log(1 + rate). It tells you how many months until the current balance clears at the current EMI. If your EMI is too low to cover even the monthly interest, it returns "Never pays off" — common on minimum-payment credit lines.
Sum of (each balance × its rate) ÷ total balance. It tells you what your overall debt costs — useful for deciding whether to consolidate. If your weighted rate is 12%+, a refinance into a lower-rate personal loan can save money.
Yes — set the EMI to whatever minimum payment you actually make. The tool will tell you how long that pays off (often "Never" if you only pay the minimum). That's exactly the message most card minimums are designed to bury.
PDF (summary cards + loan-by-loan table + by-type rollup + monthly projection table with running balance + notes — auto-paginated) and XLSX (4 sheets: Summary, Loans, By Type, Projection). All numeric columns are real numbers.